Lisa Gross, Mortgage Lender NMLS #35180

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Northglenn, CO
Lisa Gross, Mortgage Lender NMLS #35180

Providing opportunities for low rates, hassle free mortgages for buying or refinancing a home throughout CO, TX, & CA

You've heard the horror stories...how hard it is to qualify, not to mention the fighting, shopping, and haggling to get a good rate.I've got great news...

When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation and make sure that you get a low rate mortgage without the stress and hassle.

05/12/2026

I want to share something a little different this week. Less market data, more business strategy.

There is a stat I keep thinking about. NAR surveyed nearly 50,000 agents and found that while 68% have used AI in some form, only 17% say it has made a significant positive impact on their business. That gap says everything.

The agents winning with AI right now are using it for the time-consuming tasks that eat into their day. 68% are writing listing descriptions with it. 59% are creating social media content. 53% are drafting emails and newsletters. That is an hour or more back in your day, every single day, that you can redirect toward clients and conversations that actually move the needle.

But here is where it gets really interesting. PwC just released their Emerging Trends in Real Estate 2026 report and they are calling the next phase agentic AI. These are tools that plan and act with minimal prompting and run continuous processes around the clock. Not just helping you write things but actually doing things on your behalf while you sleep. This second wave is just starting to hit residential real estate and the agents who figure it out now will have a real edge over the ones who discover it two years from now.

The agents winning with AI are not the most tech-savvy people in the room. They are the ones who treat it like a junior assistant and put it to work consistently.

Follow along for more ways to grow your real estate business.

04/04/2026

Happy Easter! Let me tell you how buying a home is a lot like your Easter egg hunt, and I promise this analogy is going to stick with you the next time you go house hunting.

On the surface it is exciting and fun, but the real value comes from what you find when you look a little deeper. At first glance homes can seem very similar, just like eggs scattered across a yard. But the best ones are never the most obvious. That is why you cannot judge a home just by the photos.

Here is what smart buyers are actually looking for. Number one, great bones: the structure, roof, HVAC, plumbing, and electrical. Not flashy but absolutely the real golden eggs. Number two, location within the neighborhood: cul de sacs, larger lots, backing to trees, quiet streets. These things do not always show up in an online search but they matter enormously. Number three, cosmetic fixers: old carpet, outdated kitchens, paint colors you do not love. These are where you create instant equity. Number four, layout potential: unfinished basements, extra rooms, space you could open up. A lot of buyers miss what a home could become. And number five, motivated sellers: homes with price reductions or that have been sitting for weeks or even months can be your best opportunities.

Do not just jump on the first house you see. The people who win the Easter hunt are not running around randomly. They are looking where everyone else is not. Be patient, look past the surface, and make sure you have someone guiding you who knows where the real value is hidden.

Give me a call if you or someone you know is exploring the housing market this spring. I would love to help with your financing.

03/17/2026

Everyone keeps asking me if now is a good time to buy, and most people aren't going to like my honest answer.

Yes, there's a lot of noise out there. Global events, inflation data going back and forth, tariffs adding pressure. But while buyers are sitting on the sidelines, Congress just passed one of the biggest housing bills in a generation.

The ROAD Act restricts large Wall Street investors from buying up single-family homes and streamlines permitting so more homes can actually get built. That means less competition from institutional buyers and a more level playing field for everyday families.

Low inventory is still keeping home values stable, and the buyers who move with the right strategy this spring are going to look back on this as one of the best decisions they ever made.

11/20/2025

📢 Fannie Mae just made a big move.

Starting Nov 16, 2025, their Desktop Underwriter (DU) will no longer require a 620 minimum credit score.

That means approvals will consider your entire financial profile including income, assets, and overall loan structure, not just your score.

This could be a game changer for buyers with strong finances but lower scores.

And about that 50-year mortgage rumor? Still just talk for now.

10/22/2025

It might feel strange that you can easily afford rent each month but still don’t qualify for a mortgage around the same amount. But it all comes down to how the rules are written.

When it comes to buying a home, lenders look at your debt-to-income ratio — while landlords only care that you earn a few times your rent. Totally different math.

Getting preapproved early helps you understand what’s possible and where you stand.

Reach out if you want to break it down and plan your next move.

10/20/2025

🏡 For the Week of October 20, 2025

Last Week's Mortgage Rate Recap: Rates improved 👍
With the government shutdown still in place, there wasn’t much data to give markets direction. Even so, mortgage rates moved slightly lower, returning to levels seen before last month’s Fed meeting pushed them higher.

This Week's Mortgage Rate Forecast: Rates likely to hold steady or improve 👍
It’s still unlikely mortgage rates will fall significantly, but some improvement is possible this week despite Friday’s upcoming inflation data. If rates don’t move lower, they’ll likely hold near current levels with little risk of moving much higher.

📈 What’s affecting rates this week:
- Government shutdown: Labor market data that normally influences mortgage rates continues to be delayed, including weekly jobless claims. A budget compromise this week seems unlikely, but if one happens, markets could react quickly and add some rate volatility.
- Inflation data: The CPI consumer inflation data, postponed last week because of the shutdown, is now set for release Friday. It’s considered critical since it determines 2026 Social Security cost-of-living adjustments. If there is a big jump in inflation, that could cause mortgage rates to move higher to end the week.

10/15/2025

We love a supportive dad… but it’s not that simple. 😂🏡

When it comes to using gifted funds for a down payment, lenders have to 𝘃𝗲𝗿𝗶𝗳𝘆 𝘄𝗵𝗲𝗿𝗲 𝘁𝗵𝗲 𝗺𝗼𝗻𝗲𝘆 𝗰𝗮𝗺𝗲 𝗳𝗿𝗼𝗺... It can’t just show up in an envelope. 💌💸

✅ You’ll need a signed gift letter stating it’s not a loan
✅ The funds usually need to be transferred and documented properly

There are ways to make it work. You just need to do it the right way.
If you want to talk through your options and make sure everything’s set up correctly, reach out and let’s talk. 👋

10/13/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟭𝟯, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗿𝗲𝗺𝗮𝗶𝗻𝗲𝗱 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 👍
Mortgage rates had some small day-to-day movements in rebate pricing (the credit a lender gives toward closing costs or the points you pay to get a lower rate), but rates themselves didn’t move much, with little economic or labor market data to influence them.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗹𝗶𝗸𝗲𝗹𝘆 𝘁𝗼 𝗵𝗼𝗹𝗱 𝘀𝘁𝗲𝗮𝗱𝘆 👍
A second week with no end to the shutdown expected, mortgage rates are unlikely to make any big moves. There could be some volatility Tuesday after the bond market reopens, since it was closed Monday while stocks continued trading. There will be some economic data and Fed speakers this week, but nothing that should cause any major movements.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Government shutdown: Consumer inflation data that was scheduled for release this week has been postponed to Friday, October 24, but wholesale inflation data will only come out as planned if the budget impasse is resolved.
- Fed speakers:Mortgage rates currently reflect markets’ belief that the Fed will cut rates at the remaining two meetings this year. It’s unlikely that anything said by Fed members this week will change that outlook.

10/08/2025

A lot of people think they’re being smart by waiting for rates to drop… but here’s what usually happens 👇

While you’re waiting, home prices keep going up, and by the time rates do change, you’ve lost buying power.

Getting pre-approved early isn’t about rushing. It’s about knowing your numbers so you can jump when the right home shows up. 🏡

You’ll have a clear picture of what you can actually afford, and you won’t get caught off guard when the market moves.

If you’re even thinking about buying in the next few months, start the conversation now. It’ll save you a ton of stress (and probably some money, too). 💬

Address

11178 Huron Street #3
Northglenn, CO
80234

Website

http://www.lisagrossmortgage.com/

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